Choice Checking

Get unlimited free checking with an incredible 1.00% APY.* There are no monthly service fees or minimum balance requirements, and it's so easy to qualify, you're probably already doing it. Make the right choice and get Choice Checking today!

If for some reason, you don't qualify in a given cycle, don't worry—you still pay no fee and even earn our base rate of return! Plus you get unlimited checking with no restrictions. Best of all, you can get the rewards back the very next cycle!

*APY=Annual Percentage Yield. APYs accurate as of 07/14/2015. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 1.00%; and (2) balances over $10,000 earn 0.11% dividend rate on portion of balance over $10,000, resulting in 1.00% to 0.11% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings.

Qualification Cycles

Qualification Cycles

We rely on our automated systems to check whether account holders have met the qualification terms, and to ensure fairness, all accounts are checked on the same day. The qualification cycle differs from the statement cycle by approximately one day.

End of Qualification Cycle

Our system checks to see if your accounts qualify for benefits on the last business day before the end of your statement cycle. This day is the "end of the qualification cycle." The end of the qualification cycle may vary month-to-month, and it is important to keep this date in mind when conducting qualifying transactions.

Last Day Transactions Qualify

All qualifying transactions MUST have posted before the end of the qualification cycle. Transactions posted after the end of the qualification cycle will be counted towards the next month's qualification cycle.

Use this calculator to discover the interest you can earn with our Choice Checking Account!

Custom Cards

Customize your card

All of our Visa cards are fully customizable. Just upload your favorite picture online. Your picture of choice becomes the background on your card! We also have an extensive catalog of images to choose from. Order your personalized card here.